Feb 03, 2026
An interview with Michael Breidenband, General Manager, Adacta Germany
As the German insurance market enters 2026, the conversation around core system modernisation has fundamentally shifted. Insurers and brokers know they need to modernise, but traditional migration approaches still feel unacceptably risky. We sat down with Michael, General Manager of Adacta Germany, to discuss how the company is addressing these challenges and what 2026 holds for the DACH region.
As we look at the German insurance market heading into 2026, what's the main challenge you see insurers and brokers facing?
When we look at Germany going into 2026, insurers and brokers are facing a choice they can't put off much longer. They know their core systems are ageing, and technical debt is piling up. The decision to modernise isn't really a question anymore. What's holding them back is that traditional platform migrations still feel incredibly risky, and in many cases, they are.
How has Adacta been addressing this risk concern? What proof points can you share from 2025?
In 2025, we've been focused on showing how to minimise that risk and take the fear out of modernisation. DVA went live at the end of 2024 and has been running successfully since then. What that proves is that even the most complex industrial broker workflows can run on AdInsure in production. It's a solid reference point in a market where seeing is believing.
Securing Haftpflichtkasse as a new client in 2025 was a significant achievement. A German insurer choosing Adacta for their core system modernisation validates our approach in a segment where trust and proven capability matter enormously. The step-by-step modernisation approach we're taking there is explicitly designed to avoid the all-or-nothing risk of traditional migrations.
Germany is known as one of the most demanding insurance markets in Europe. What does it take to succeed here, and how is Adacta approaching local requirements?
Now, we're not naïve about what it takes to succeed in Germany. This is one of the most demanding insurance markets in Europe, and local fit isn't optional. That's why we're investing heavily in our Germany-specific localisation layer: BiPRO integration, local regulatory requirements, all of it. But here's the thing: with DORA now in force and regulators paying much closer attention to AI and data governance, insurers need platforms that can adapt without creating technical debt every time something changes.
Many platforms claim to be configurable. What makes AdInsure different?
What makes AdInsure different are three things: comprehensive features, multi-line support, and its no code / low code-based architecture. When we say multi-line, we mean retail and commercial, when we say comprehensive, we mean from product design to reinsurance. When we say configurable, we actually mean it.
Business users and IT teams can adapt products, processes, and workflows without touching code. That's not how most "configurable" platforms work. They're really just parameterized customization that still requires vendor involvement for anything meaningful.
Why does this matter so much in 2026 specifically?
This matters because in 2026, insurers need to respond to market opportunities in weeks, not months. And because every organization is at a different stage of operational maturity, our managed services offering lets clients choose how much they want to run themselves versus how much they want us to handle.
How important is third-party validation versus real-world proof?
The validation from leading insurance research and consulting houses gives our clients confidence, but honestly, what gives them even more confidence is seeing it work. That's what DVA and Haftpflichtkasse represent.
What's Adacta's ambition for Germany and the DACH region in 2026?
So, our ambition for 2026 in Germany and DACH is pretty straightforward. We want to be the partner that insurers and industrial brokers choose when they want real platform independence. Not vendor marketing about independence. Actual control over their product innovation timeline, the ability to respond to regulatory changes without waiting for our release cycle, and modernization without betting the entire company on one big-bang migration.
What kind of partnerships are you looking to build?
We're building partnerships with organizations that take technology seriously but also value a partner who delivers, not just talks. That's what we're focused on in 2026.